Stratton, CO · Cert 3059
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Stratton, CO · Cert 3059
FDIC
Q4 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.23% | -2.73% | -2.05% | 0.46% | -3.11% | -3.35% | -1.12% | +94 bps | |
| Return on Equity | -1.62% | 3.06% | -37.74% | -27.40% | 5.48% | -39.91% | -43.82% | -14.33% | +1,307 bps | |
| Net Interest Margin | 4.15% | 4.39% | 4.29% | 4.29% | 4.72% | 4.43% | 4.29% | 4.23% | -6 bps | |
| Efficiency Ratio | 99.84% | 94.69% | 122.22% | 117.10% | 91.98% | 116.53% | 104.82% | 100.53% | -1,657 bps | |
| Non-Interest Burden | 4.14% | 4.10% | 5.45% | 5.19% | 4.27% | 5.30% | 4.56% | 4.26% | -93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.51% | 13.04% | 6.53% | 10.45% | 8.98% | 9.52% | 6.30% | 8.03% | -242 bps | |
| Loan Growth (YoY) | 25.80% | 21.73% | 15.29% | 17.00% | 15.72% | 5.70% | -2.84% | -15.45% | -3,245 bps | |
| Deposit Growth (YoY) | 27.62% | 24.79% | 18.26% | 8.93% | 7.30% | 10.12% | 13.41% | 8.18% | -75 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.03% | 1.30% | 0.99% | 0.42% | 0.47% | 0.40% | 0.34% | -66 bps | |
| Allowance / Loans | 1.42% | 1.30% | 1.72% | 1.70% | 1.55% | 2.96% | 4.88% | 3.53% | +184 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.67% | 10.47% | 9.06% | 11.92% | 11.73% | 9.82% | 11.12% | 13.92% | +200 bps | |
| Equity / Assets | 7.31% | 7.36% | 6.57% | 8.51% | 8.31% | 6.57% | 7.23% | 8.39% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.96% | 79.54% | 84.97% | 80.18% | 78.68% | 76.34% | 72.80% | 62.66% | -1,752 bps | |
| Liquid Assets / Assets | 1.28% | 0.85% | 0.83% | 0.72% | 0.69% | 0.68% | 1.64% | 2.06% | +135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |